JQ Office Staff

If you are a non-associate full time employee, you are eligible to enroll into the health insurance on the first of the month after 60 days of full time employment (40 hours per week). JQ Staffing will pay the greater of: $300 per month towards your insurance, OR any amounts in excess of 9.96% of your yearly salary to meet ACA affordability regulations (this is rare). You will be responsible for paying any smoker surcharges.

To Enroll, click "Make Benefits Election".

How to Shop for Health Insurance
How to Find an In-Network Doctor

The health insurance is through Independence Blue Cross (aka Keystone Health Plan East). There are 3 plan options, the HMO Bronze, HMO Silver Proactive, and PPO Gold Preferred 500.

• HMO Bronze: HMO / POS Network
  • Covers doctors, specialists, urgent care, some therapy services, lab-work, and diagnostic testing before the deductible
  • Large deductible
  • $10150 out of pocket maximum ($18400 with dependents)
  • Uses "Keystone HMO Network"
• HMO Silver Proactive: HMO Proactive Network
  • Designed for companies in the Philadelphia area.
  • All local Philadelphia Blue Cross hospitals (and most doctors) are in-network but divided into tiers.
  • Costs vary by provider tier, with Tier 2 & 3 being more expensive than Tier 1, especially for costly services like hospitalization and surgery.
  • HMO Proactive Tiers
• PPO Gold Preferred 500: PPO Network
  • National coverage with a large network.
  • No referrals needed for specialists.
  • No deductible
  • Low hospital costs
  • Uses PPO Network

Payroll Deductions for Employees
Payroll Deductions for Dependents

HMO Proactive Network Tiers
HMO Bronze
HMO Silver Proactive
PPO Gold 500

HMO Bronze
HMO Silver Proactive
PPO Gold Preferred 500

JQ Staffing pays up to $300 per month towards the cost of your insurance.

Free Virtual Doctor Visits & Care
TeleDoc Flyer
Virtual Dermatology
Virtual Therapy
Achieve Well $300 Gift Card
Discounts & Reimburesments
$150 Fitness Center Reimbursement
AblePay Discounts
College Tuition Benefit
Flu Shot
Maternity & Family Planning
Addiction Counseling
Diabetes Management
Hypertension Management
Weight Loss Support
Hearing Coverage
MyStrength Emotional Health App
Laser Vision Correction (as of 2022)
Vision Insurance
RX Mail Order Service
90 day supply CVS Discount
Specialty RX Discounts
Traveling/Away from Home

Print ID card & Access Explanation of Benefits
Medical Claim Form
Vision Claim Form
RX Mail Order Form
HIPAA Authorization Form
How to Find an In-Network Doctor

Your Bi-weekly Payroll Deductions:

Employee: $13.27

Employee + Partner: $26.53

Employee + Child(ren): $36.72

2 Parent Family: $50.56

*Our dental insurance is obtained via the Fellow Travelers Benefits Program. It is a program where multiple employers collaborate to boost purchasing power to obtain better benefits & rates. Your insurance card will have "Fellow Travelers" listed as the employer.

Our dental insurance is exceptional! It effectively eliminates network restrictions by reimbursing out-of-network visits at in-network copay and coinsurance rates in almost all cases. However, we encourage using in-network providers whenever possible, as higher in-network usage helps secure better renewal rates for the future.

Dental Benefit Summary

Dental Benefit Summary Spanish

Dental Procedure Cost Estimator

Dental Benefits FAQ

Dental Benefits FAQ - Spanish

Dentist Search - PPO / Traditional Network

Where's my ID Card? (Our Group Number is 416619)

My Humana Registration Instructions

Humana Dental Login / Registration

Humana Dental OUT OF NETWORK Claim Form

Humana Dental & Vision: 800-232-2006

Your Bi-weekly Payroll Deductions:

Employee: $2.79

Employee + Child(ren): $5.30

Employee + Partner: $5.58

2 Parent Family: $8.33

*Our vision insurance is obtained via the Fellow Travelers Benefits Program. It is a program where multiple employers collaborate to boost purchasing power to obtain better benefits & rates. Your insurance card will have "Fellow Travelers" listed as the employer.

Our insurance is provided through Humana and offers excellent benefits. The vision insurance is especially valuable for those who regularly use glasses or contacts. The pre-tax premiums are likely lower than your annual vision care expenses.

This vision insurance can be used on top of the vision benefits with the health insurance. You can be double reimbursed for the same contacts / lenses. You should use the Humana insurance first, then request the reimbursement from health insurance vision coverage after.

Vision Member Portal / ID Cards: NOTE do not use this site to check the vision network, use the links below.

My Humana Registration Instructions: IF you have multiple coverages with Humana (such as dental & life insurance, click "Coverage Overview" to switch between coverage options.

Vision Benefit Summary

Vision Benefit Summary - Spanish

Humana Vision FAQ

Find an Humana Eye Doctor

Humana Dental & Vision: 800-232-2006

This is a voluntary benefit. Employees sign up for this benefit and pay the premiums directly to Fellow Travelers

The insurance is provided thru Humana and is excellent pricing. Up to $100K of life insurance can be purchased "guaranteed issue".

Life Insurance Coverage Details
Life Insurance Rates
Life Insurance Quote

Sign Up for AblePay Discounts (Use “Fellow Travelers” as your employer to qualify)

AblePay Reduces your Medical Costs! AblePay pre-purchases your medical debt/expenses from healthcare providers in exchange for a discount. AblePay pre-pays your medical costs in exchange for a discount, which they share with you! If you don’t pay the medical bill, AblePay owns your the debt liability…not the healthcare provider. That’s how they can pass along a discount to you!

From the AblePay website:

AblePay is a unique and innovative program that addresses what many of us are dealing with; how to diffuse the rising costs of deductibles and coinsurance. AblePay is a healthcare consumer company that assists our members by providing discounts, flexible and convenient payment options, and the necessary support if you ever have a question or an issue. The goal is to make navigating the healthcare system as painless as possible.

By assisting our provider partners in reducing expenses and receivable times, we have negotiated a discounted rate in exchange for guaranteed payment immediately after the insurance process is completed. This allows us to pass a portion of these savings, up to 13%, along to our members.

Independence Blue Cross: 800-ASK-BLUE
Humana Dental & Vision: 800-232-2006
Humana Email: sbmarketsupport@humana.com
Colonial Disability & Accident Insurance: 800-325-4368
Diversified Human Solutions: 267-948-7290

Discounts, Rewards, and Perks
Use CODE: LRFWUO